Debt Restructuring

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Regain Financial Freedom With The Right Debt Counselling Solution.

The facts

We work with ambitious professionals who want your future to be successful.


of our clients are debt free within 5 years


National Debt Management Solutions Provider


SA consumers helped to date


Valuable assets protected from repossession

The Power of Debt Restructuring Break Free From Your Debt On Your Terms

As the name suggests, Voluntary Debt Restructuring or VDR for short is a similar process to Debt Review but without the restrictions. VDR gives you the ability to restructure your unsecured debt into one affordable payment and allows you to choose what accounts to exclude from the process. You are still able to access credit.

Applying this process helps make your life easier by consolidating some of your debt. Early debt indicators such as skipping payments, regularly missing payment dates and increased financial stress are signs to seek financial help.

“We have the capabilities and experience to deliver the answers you need to move forward.”
Hands of female entrepreneur working with bills and documents
Hans Overbeek
C.E.O. & founder of Cyber Finance

The Benefits of Debt Restructuring Debt restructuring has many benefits

Your benefits

Voluntary Debt Restructuring is a great short-term alternative to other debt restructuring solutions, giving you freedom to control our debt.

Some benefits are:

  • Restructure your unsecured debt into one monthly payment.

  • Choose what accounts to include under VDR.

  • The process can be cancelled at any time.

  • Maintain access to credit facilities.

  • Reduce monthly debt payments by up to 50%.

Let's discuss your financial situation


Our Debt Restructuring process starts with an Obligation Free Debt Assessment. 

Our Free Debt Assessment is structured to give you a complete overview of your financial situation before choosing a debt solution.

With the assessment, you are assigned your own dedicated financial specialist. When completing the assessment, we take into consideration your living expenses and all your current debt obligations, we then evaluate and advise you on the correct action to take.

The assessment is obligation free and once complete; it is up to you whether you would like to make use of our services. Your dedicated financial specialist will then assist you through the entire process, from application to clearing your debt. You retain control!


Ready for a new chapter in your life?